# Question about my school debt

**URL:** <https://boards.straightdope.com/t/question-about-my-school-debt/575564>\
**Category:** Factual Questions\
**Created:** [March 22, 2011, 3:37am UTC](https://boards.straightdope.com/t/question-about-my-school-debt/575564 "2011-03-22T03:37:11Z")\
**Posts on this page:** 3\
**Page:** 2

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**Author:** ![md2000](https://avatars.discourse-cdn.com/v4/letter/m/73ab20/32.png) [@md2000](https://boards.straightdope.com/u/md2000)\
**Post date:** [March 24, 2011, 5:40am UTC](https://boards.straightdope.com/t/question-about-my-school-debt/575564/21 "2011-03-24T05:40:44Z")

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> [@Dewey\_Finn](#):
>
> The OP hasn’t clarified this yet, but I’ll bet that he/she was attending a proprietary trade school to become a _medical assistant_ (instead of a medical school that one would attend after undergraduate school with the intention of becoming a medical doctor). That might explain the level of the grammar and communication skills displayed. And some of these schools are notorious for taking students mostly so that they can get the government loan money and with regard for whether the students ever graduate. This of course leaves the students without educational qualification but with a pile of debt.

Sounds logical. If this is the case, my apologies - I can’t expect medical techs to be the same as medical school (doctor college) students. Good for him for trying to better himself.

As mentioned, one question is whether there is any loan documents or whatever that he signed that obligate him to pay? If so, it is a legitimate debt.

The other question still is is it an official “student loan”? I recall that in the USA the law was changed recently to remove student loans from being cancelled when someone went bankrupt, but my understanding is that only applies to loans sponsored(?) by the federal government’s student loan program through a participating bank, which it seems he failed to qualify for.

So he could go bankrupt to remove the debt. But… Talk to a lawyer. IIRC if the school does not press for collection he may not be able to declare? How much worse for a credit score is bankrupt vs being completely underwater?

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**Author:** ![yams](https://avatars.discourse-cdn.com/v4/letter/y/848f3c/32.png) [@yams](https://boards.straightdope.com/u/yams)\
**Post date:** [March 24, 2011, 6:55am UTC](https://boards.straightdope.com/t/question-about-my-school-debt/575564/23 "2011-03-24T06:55:41Z")

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Reported! Two spams in one thread?

love  
yams!!

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**Author:** ![Rigamarole](https://avatars.discourse-cdn.com/v4/letter/r/77aa72/32.png) [@Rigamarole](https://boards.straightdope.com/u/Rigamarole)\
**Post date:** [March 24, 2011, 7:45am UTC](https://boards.straightdope.com/t/question-about-my-school-debt/575564/24 "2011-03-24T07:45:06Z")

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> [@yams](#):
>
> Reported! Two spams in one thread?
> 
> love  
> yams!!

Guess this OP just tends to attract all kinds of problems.

Interesting how the style of broken English in the spam (advertising for a “college rankings” site) is very similar to that of the OP, who is posting for the first time. Coincidence, I’m sure.

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